How to choose the best mutual fund for you
There is no single "best" mutual fund in Bangladesh — the right fund depends on your goal, time horizon, risk tolerance and tax situation. A good equity fund for a young investor chasing long-term growth is rarely the right pick for someone who needs stable, tax-efficient income.
This guide explains the main fund categories, how mutual funds are taxed in Bangladesh, and how the three open-end funds managed by Ekush Wealth Management Limited — a BSEC-licensed asset manager (license BSEC/AMC/2019/44) — map to common investor goals.
Six things to check before you invest
Goal & horizon
Match the fund to why and when you'll need the money — growth over 5+ years vs. steady income sooner.
Risk tolerance
Equity funds swing more; fixed-income funds are steadier. Pick what you can hold through a downturn.
Costs & fees
Management, trustee and custodian fees quietly reduce returns — lower is better, all else equal.
Liquidity
Open-end funds let you redeem units at NAV; Ekush pays sell proceeds within 3 working days, with no lock-in.
Tax benefits
Mutual-fund investment earns an income-tax rebate, and capital gains are tax-free up to BDT 50 lakh for individuals.
Track record & governance
Check returns since inception and the independent trustee, custodian and auditor safeguarding your money.
Match your goal to a fund
Ekush funds at a glance
| Fund | Type | Inception | NAV / unit | Return since inception | Benchmark |
|---|---|---|---|---|---|
| Ekush Growth Fund | Equity-oriented | Feb 2022 | ৳13.664 | +50.81% | DSEX -17.32% |
| Ekush First Unit Fund | Balanced | Mar 2020 | ৳16.079 | +128.89% | DSEX +36.64% |
| Ekush Stable Return Fund | Fixed income | Mar 2023 | ৳14.825 | +47.97% | FDR 9.5% p.a. |
Live figures update from the Ekush portal. Fund returns are total-return (dividend-adjusted); DSEX is a price-return index and the FDR benchmark is modelled at 9.5% p.a. — so the two are not directly comparable.
The tax advantage of mutual funds in Bangladesh
Investing in a BSEC-approved mutual fund earns an income-tax rebate — the lower of 3% of taxable income, 10% of your eligible investment, or BDT 7,50,000. Under the Finance Act 2026 there is no separate cap on mutual-fund investment for rebate eligibility (subject to the holding/maturity condition).
At the investor level there is no tax on the fund's own income, and capital gains are tax-free up to BDT 50 lakh for individuals. That combination is why fixed-income funds like ESRF can beat a bank FDR on an after-tax, like-for-like basis.
Estimate your tax rebate